That's not a bad way to look at things
Do bear in mind that even though the game's version is only 0.10, the current game version probably represents a much greater part of the complete work than 10%; usually a game/program whose version is 0.10 is plagued with terrible flaws, or otherwise so incomplete that it is in an almost unplayable/unusable state (pre-alpha version)
That being said, I've always thought the eventual finished version would have alternative endings, such as Mado finally being able to leave her room if she saw all the dream-world events. Or maybe she'd jump in that case, seeing as a lot of people believe her "real world" is a part of her dream
As far as afterlife goes, I honestly believe if it was Kikiyama's intention he would have either made a portion of it available, or at the very least a small event where she arrived at whichever afterlife location he would choose her to be, and then roll the credits. But the fact is there aren't even any unfinished "heaven"/whatever maps in the game when you open it on rpg maker
Do bear in mind that this is only my 2 cents on the matter, but as far as I'm concerned I don't really think continuing into the afterlife was the game maker's intention